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The Ohio Department of Aging

Ohio Department of Aging Aging News and Perspective

Are you Disaster and Insurance Ready? Think Again.
Disaster preparedness is everyone's business

Sept. 7, 2016
By Lt. Governor Mary Taylor
Director, Ohio Department of Insurance

Physical damage caused by a disaster is often unpreventable but ensuring you and your loved ones are financially protected is something you can control.

September is National Preparedeness Month and I am urging older adults and all Ohioans to "Think Again" and take action now to ensure their insurance readiness for the unexpected.

Lt. Governor Mary TaylorAn easy starting point is utilizing the life situation information and financial organizer booklet on the Ohio Department of Insurance website, www.insurance.ohio.gov. This material is part of my "Think Again" insurance initiative empowering Ohioans to ensure they are financially secure, especially in a disaster situation.

And putting forth the effort of maintaining your residence and preparing an emergency kit and plan is invaluable. Pointers on how to complete these tasks and insurance insights such as addressing suitable coverage, navigating claim filing and avoiding contractor fraud are available in our online disaster preparation and recovery toolkit.

Family and friends should discuss these topics as part of the preparedness process and older adults can lead the way. Share your astute insurance and disaster preparedness advice. Just as crucial is organizing your own financial information and providing it to your loved ones. Make it a family task with a dash of fun.

So, when planning keep the following in mind:

  • Determine coverage adequacy with your agent.
  • Complete a home inventory with photos. Download the National Association of Insurance Commissioners home inventory app. A paper version is available at www.insurance.ohio.gov.
  • Flood insurance is not included in a standard policy. Talk with your agent and visit www.floodsmart.gov to secure coverage.
  • Rain, hail, lightning and tornado damage are generally covered by a standard homeowners insurance policy and an auto insurance policy's "comprehensive" or "other than collision" coverage.
  • Review your homeowners policy for "loss of use" coverage regarding temporary housing.

And after disaster strikes:

  • Call your insurance agent or company.
  • Take reasonable steps to prevent additional damage if safe.
  • Note and photograph any damage.
  • Be sure everything is considered in your claim. Back up claims with written estimates.

Being prepared for a disaster is everyone's business. Please make use of our resources and contact our insurance experts at 1-800-686-1526 with any questions. Are you and your loved ones disaster and insurance ready? Think Again.

Mary Taylor is Ohio's 65th Lieutenant Governor and director of the Ohio Department of Insurance.

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